Podcasts about calculating

On Friday, the Bureau of Labor Statistics reported that job creation in the U.S. was much lower than expected in July, and revised down its numbers for May and June, reporting there were 258,000 fewer jobs created in those months than initially estimated. President Trump, upset about the revisions, then proceeded to fire the head of that Bureau. The president now says he'll name a replacement in the coming days. Plus, why the manufacturing sector is struggling and how storm-chasing scientists are working to unlock the mysteries of hail.

On Friday, the Bureau of Labor Statistics reported that job creation in the U.S. was much lower than expected in July, and revised down its numbers for May and June, reporting there were 258,000 fewer jobs created in those months than initially estimated. President Trump, upset about the revisions, then proceeded to fire the head of that Bureau. The president now says he'll name a replacement in the coming days. Plus, why the manufacturing sector is struggling and how storm-chasing scientists are working to unlock the mysteries of hail.

#269 AI Search & SEO | In this episode, Dave is joined by Andrei Țiț, Head of Product Marketing at Ahrefs, a leading SEO tool trusted by marketers around the world. Andrei has been on the front lines of how AI is reshaping search and what that means for marketers trying to stay visible in an AI-first world.Dave and Andrei cover:Why branded search volume is now a top indicator of visibility in AI-generated results (and how to grow it)The new playbook for SEO in 2025, including what metrics to track beyond traffic and backlinksActionable tactics to get your brand mentioned by AI search tools like ChatGPT, Perplexity, and Google's AI OverviewsWhether you're a marketing leader or an SEO newbie, this episode will help you rethink your approach to content, attribution, and brand in the AI era.Timestamps(00:00) - – Intro (02:48) - – Why this was Exit Five's most-registered webinar ever (05:08) - – Meet Andrei from Ahrefs (06:48) - – Is SEO dead? Not quite, but it's harder than ever (08:28) - – AI traffic is growing fast (63% of sites already see it) (09:18) - – Why brand is your best SEO defense (11:48) - – How Google measures brand impact (keywords, mentions, clicks) (14:48) - – Calculating content ROI with traffic value (17:18) - – Why branded search volume predicts AI visibility (21:18) - – How to track brand mentions in ChatGPT, Perplexity & AI Overviews (24:18) - – AI traffic = fewer clicks, better leads (29:23) - – How to improve your visibility in AI-generated answers (36:23) - – Why backlinks matter less and PR matters more (43:23) - – New rules for writing content LLMs can surface (52:23) - – Final takeaways: metrics to watch and content to prioritize Send guest pitches and ideas to hi@exitfive.comJoin the Exit Five Newsletter here: https://www.exitfive.com/newsletterCheck out the Exit Five job board: https://jobs.exitfive.com/Become an Exit Five member: https://community.exitfive.com/checkout/exit-five-membership***Today's episode is brought to you by Walnut.Why are we pouring all this effort into marketing just to push buyers to a “request a demo” or “contact sales” button?Come on, today's buyers don't want to talk to sales right away. They want to explore your product themselves, see how it works, and understand its value before booking a meeting.That's where Walnut comes in.Walnut empowers marketers and GTM teams to create interactive, self-guided product experiences in minutes. Embed these experiences on your site, in emails, or anywhere in your funnel to let buyers engage on their terms, from awareness to close and beyond. That's the beauty of Walnut - you're getting a platform that your sales and CS colleagues can use to showcase the product too.And the best part? You get real intent data—see which features prospects love, where they drop off, and what's actually driving pipeline. Demo Qualified Leads are the new MQL.Over 500 companies, like Adobe and NetApp, use Walnut to drive 2-3x higher website conversion rates and 7 figures in pipeline on a yearly basis. So do you want to drive more leads, shorten sales cycles, and actually show your product instead of hiding it behind another typical B2B CTA? Go check out Walnut.io. And if you tell them Dave from Exit 5 sent you, they'll build out your first demo for free!

In this episode, Gillian breaks down four (+ an extra one) practical steps to stop mentally calculating calories... Because calories stick with you, even if you haven't tracked macros in years.If you feel like you know calories by heart and can't shut off the mental math, this is your guide to reducing the noise and finding more peace with food.You'll hear:What makes calorie calculations so stickyWhat to do instead of countingWhy your thoughts aren't factsHow mindfulness and values-based eating helpWhat to expect as you practice a new way of thinking

How do we get security right? The answer varies by many factors, including industry, what you're trying to protect, and what the C Suite and Board care about. Khaja Ahmed, Advisor at CISO Forum, joins Business Security Weekly to discuss how to get consensus on your security program. CISOs, executives, and the Board need to be aligned on the risks and how best to address them. And it's not technical risks, it's business risks measured by legal or financial impact. Khaja will help guide new and existing CISOs on how to: Work across the business to build consensus Identify and quantify risks in financial and legal terms Design security from the start Be effective as a security leader In the leadership and communications section, Is the C-Suite Right for You?, What Fortune 100s are getting wrong about cybersecurity hiring, Why Communication Is Exhausting in Chaotic Workplaces, and more! Visit https://www.securityweekly.com/bsw for all the latest episodes! Show Notes: https://securityweekly.com/bsw-405

In this episode, we explore how chargebacks hurt online businesses and what smart store owners are doing to fix this problem. Chargebacks mean lost money, wasted time, and damage to your reputation with payment companies. Our guest Conor Lyden, founder and CEO of Trustap, shares how his company helps online stores fight fraud and secure payments.  He explains how one simple solution can replace multiple expensive tools while saving businesses thousands of dollars every month. Topics discussed in this episode:  Why a ticket scam led to building a global fintech solution. How Trustap protects e-commerce brands from chargebacks. Why chargebacks hurt more than just your wallet. How becoming merchant of record removes liability and tax stress. What makes Trustap a one-stop checkout plugin. Why some brands see up to 18% more profit with Trustap. How Trustap helps brands expand globally without local setup. What merchants miss when calculating real transaction costs. Why high-volume vs. high-ticket stores benefit differently. How onboarding takes just hours, not days. Links & Resources Website: https://www.trustap.com/ Shopify App Store: https://apps.shopify.com/trustap LinkedIn: https://www.linkedin.com/in/conor-lyden-442621b1/ X/Twitter: https://x.com/trustappayments Get access to more free resources by visiting the show notes athttps://tinyurl.com/bdk3buarMORE RESOURCES Subscribe to our FREE Newsletter: https://newsletter.ecommercecoffeebreak.com/ Free Store Optimization Beginners Guide: Instant PDF Download!

How do we get security right? The answer varies by many factors, including industry, what you're trying to protect, and what the C Suite and Board care about. Khaja Ahmed, Advisor at CISO Forum, joins Business Security Weekly to discuss how to get consensus on your security program. CISOs, executives, and the Board need to be aligned on the risks and how best to address them. And it's not technical risks, it's business risks measured by legal or financial impact. Khaja will help guide new and existing CISOs on how to: Work across the business to build consensus Identify and quantify risks in financial and legal terms Design security from the start Be effective as a security leader In the leadership and communications section, Is the C-Suite Right for You?, What Fortune 100s are getting wrong about cybersecurity hiring, Why Communication Is Exhausting in Chaotic Workplaces, and more! Visit https://www.securityweekly.com/bsw for all the latest episodes! Show Notes: https://securityweekly.com/bsw-405

How do we get security right? The answer varies by many factors, including industry, what you're trying to protect, and what the C Suite and Board care about. Khaja Ahmed, Advisor at CISO Forum, joins Business Security Weekly to discuss how to get consensus on your security program. CISOs, executives, and the Board need to be aligned on the risks and how best to address them. And it's not technical risks, it's business risks measured by legal or financial impact. Khaja will help guide new and existing CISOs on how to: Work across the business to build consensus Identify and quantify risks in financial and legal terms Design security from the start Be effective as a security leader In the leadership and communications section, Is the C-Suite Right for You?, What Fortune 100s are getting wrong about cybersecurity hiring, Why Communication Is Exhausting in Chaotic Workplaces, and more! Show Notes: https://securityweekly.com/bsw-405

This week on the show, we're discussing the specifics of Required Minimum Distributions (RMDs) as we head into the second half of 2025. Whether you're approaching your first year of RMDs or have been taking them for a while, I break down everything you need to know, from when you need to start taking distributions based on your birth year, to how RMDs are calculated, which accounts are affected, and the potential tax consequences for missing a withdrawal. I'm also sharing eight practical strategies you can use to lower your future RMDs, including asset diversification, Roth conversions, tax-efficient income planning, optimizing Social Security timing, and even using charitable contributions to your advantage. With real-world examples and actionable tips, this episode is packed with valuable insights for anyone looking to navigate their retirement withdrawals as tax-efficiently as possible.  You will want to hear this episode if you are interested in... [02:48] Calculating your Required Minimum Distribution. [05:02] IRA distribution factors & penalties. [10:40] Retirement tax strategy tips. [13:35] IRA conversion tax planning. [15:37] Optimizing social security timing. [18:48] Tax-efficient investment account strategy. Smart Strategies to Manage Required Minimum Distributions (RMDs)  New rules over the past few years have pushed back when retirees must start taking RMDs. As of today: If you were born in 1959 or earlier, your RMDs begin at age 73. If you were born in 1960 or later, the threshold moves to age 75. RMDs apply to traditional IRAs, rollover IRAs, SEP IRAs, SIMPLE IRAs, and most employer-sponsored plans, including 401(k)s and 403(b)s. Importantly, Roth IRAs are not subject to these mandatory withdrawals during the owner's lifetime, providing an attractive planning opportunity. How RMDs Are Calculated Your annual RMD is determined by dividing the prior year's December 31 retirement account balance by a life expectancy factor from IRS tables. Most people use the IRS Uniform Lifetime Table. If your spouse is more than 10 years younger, you get a slightly lower withdrawal requirement by using the Joint Life Expectancy Table. For example, if you are 73 with a $500,000 IRA, and the IRS factor is 26.5, your RMD would be $18,868 for that year. If you miss your RMD, penalties can be steep, 25% of the amount not withdrawn, though if corrected within two years, the penalty drops to 10%. RMDs are generally taxed as ordinary income. If your IRA contains after-tax contributions, those aren't taxed again, but careful tracking is essential. The key is smart, proactive planning. RMDs increase your total taxable income, which can impact not just your IRS bill, but also Medicare premiums (thanks to the “IRMAA” surcharge) and eligibility for certain state tax breaks. Eight Strategies to Lower RMD Impact Here are several tactics to help retirees minimize RMDs' sting and keep more of their wealth working for them: Diversify Account Types Early Don't keep all retirement savings in pre-tax accounts. Consider a mix of pre-tax, Roth, and taxable brokerage accounts so you have flexibility in retirement to optimize withdrawals for tax purposes. Build an Optimized Retirement Income Plan Work with a financial advisor or CPA to design an intentional strategy for sourcing retirement income. With careful planning, you can potentially lower how much tax you'll owe and avoid unwelcome surprises. Do Roth Conversions When Taxes Are Low If you retire before collecting Social Security (and RMDs), you might have years of low taxable income, prime time to convert part of your traditional IRA to a Roth IRA at a low tax rate. Once in the Roth, future qualified withdrawals are tax-free. Delay Social Security for Strategic Reasons Delaying Social Security not only increases your monthly benefit but also gives you more low-income years for Roth conversions, thus reducing future RMDs. Consider Working Longer If you continue working past RMD age and participate in your employer's retirement plan, you may be able to delay RMDs from that plan until you retire (as long as you don't own more than 5% of the company). Aggregate and Simplify Accounts Roll over old 401(k) accounts into a single IRA if eligible. It's easier to track, calculate, and satisfy RMDs, reducing the risk of costly missteps. Optimize Asset Location Hold faster-growing investments (like stocks) in taxable accounts and slower-growing ones (like bonds) in IRAs. This helps slow the growth of your RMD-producing accounts, keeping future required withdrawals smaller. Use Qualified Charitable Distributions (QCDs) Once you're RMD-eligible, you can send up to $100,000 per year directly from your IRA to charity. It will count toward your RMD but won't be taxed, potentially a win-win for you and your favorite causes. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Retirement topics - Required minimum distributions (RMDs) | Internal Revenue Service   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

It's Sex With Sue's Turned On With Sue & John - guiding you through the new world of dating, love and romance, direct from our Community College Of Nookie Knowledge!This week - calculating your kink score - 700,000 people spill their bedroom secretsPLUS:- The Cinderella Rule (Why Some Couples Have a Sex Curfew)- Lazy Susan Trick for Surprise Foreplay (This week's Nookie Nugget!)- Swingers; Don't Blindsidie Your sweetie Over Breakfast - Sex Ed Fails Things We Should've Learned in Grade 9 And your questions to Sue! This week:- I Want To Try Anal- What's One Sex Tip Everyone Should Use With A New Lover- I Want To Hear More About Bi-Male AcceptanceOur sponsors: www.edenfantasys.com (July sale up to 85% off!)Our trip to Mexico: hhttps://playfulcoconuts.comOur website: www.turnedonpodcast.com

Every driven professional eventually reaches a crossroads where working harder no longer produces the desired growth. Mark Kull found himself at this junction after achieving Northwestern Mutual's prestigious Forum recognition in consecutive years, only to realize he was trapped in an unsustainable cycle of effort.What followed was a transformative journey from frantic producer to strategic business builder. Mark shares the counterintuitive wisdom that reshaped his approach: "You often have to slow down to speed up." This perspective shift led him to create what he considers more valuable than any to-do list – a comprehensive "don't-do list" that freed him to focus on his highest-impact activities.The conversation explores Mark's deeply personal definition of success: being "front door famous" – showing up as the same authentic person whether with family, clients, or strangers. This consistency of character guides his leadership and life choices more powerfully than traditional financial metrics ever could.Mark reveals the practical strategies that supported his transition, from calculating the true hourly value of his client-facing time to intentionally hiring team members with complementary strengths rather than similar personalities. He candidly discusses the challenges of letting go, acknowledging that "in our desperation to want to be everything to everybody, we don't really become much of anything to anybody."Perhaps most surprisingly, Mark credits consistent sleep and wake times as his most important habit – a discipline that builds self-trust and reinforces his capacity for follow-through in every area of life. His approach demonstrates how elite achievement often comes not from doing more, but from doing the right things with remarkable consistency.Ready to rethink your approach to growth? Connect with Mark at mark.kull@nm.com or visit https://cpp.nm.com/ to learn how strategic delegation and intentional habits might transform your personal and professional trajectory. In this podcast you will learn:• Redefining success as being "front door famous" – maintaining consistency of character across all environments• Creating a strategic "don't-do list" rather than just focusing on to-do lists• Calculating the hourly value of client-facing time to determine what tasks to delegate• Hiring people with complementary skill sets rather than similar personalities• Making the shift from "producing forum" to "being a forum producer" through systems and processes• Building in non-negotiable growth opportunities like mastermind groups and industry conferences• Using flexible growth methods like reading that can be done at various times without rigid scheduling• Celebrating wins intentionally rather than constantly moving goalposts• Maintaining consistent habits like regular sleep and wake times to build self-discipline• Finding team members who genuinely enjoy the tasks on your don't-do listHighlights:0:00Self-Actualization and Introduction7:12Defining Elite Success Personally11:40The Journey from Forum Producer20:24Building a Strategic Business30:24Creating Space for Growth39:06The Power of Consistency42:50Celebration and Final ThoughtsInterested in 1:1 Coaching?Kristin partners with high-performing financial advisors, leaders, and business owners who are ready to lead with more clarity, focus, and intention.Clients often come to her with a strong vision—but they aren't sure how to close the gap between where they are now and where they want to go. Many are navigating a season of growth, stepping into expanded leadership, or realizing they've outgrown their current systems and ways of...

Brian Schwingle, MN DNR forest health program coordinator, discusses how invasive species impact wildfires. The "Fire in MN forests" series is produced by Mark Jacobs.

“It's not going to take much to push us back into a shortage market where demand would exceed supply.” - Graham Scott, Vice President, Global Procurement at Jabil Semiconductor volatility is grabbing headlines again, but what's really happening beneath the surface for organizations buying and managing critical components? Graham Scott, Vice President of Global Procurement at Jabil, knows this landscape inside and out. In this episode, Graham speaks with Philip Ideson about the biggest pressures facing procurement teams, from AI-driven shifts in global supply, to the real cost of building resilient risk-management strategies.  Graham discusses how transparency and agility will set the winners apart, and why procurement teams must stay close to both operational details and C-suite priorities. For procurement teams steering spend, pushing for greater optionality or navigating complex geopolitical headwinds, Graham shares strategies they can use right now. Graham also covers: Assessing hidden risks behind “healthy” inventory levels Rethinking supplier relationships to secure mission-critical data Calculating the tradeoffs and ROI of dual sourcing Navigating the impact of AI and geopolitics on future investment Links: Graham Scott on LinkedIn Subscribe to This Week in Procurement Subscribe to Art of Procurement on YouTube

This episode is brought to you by www.thebikeaffair.comIf you are in search of a one-stop destination that caters to all your cycling needs, our today's sponsor, The Bike Affair, is the perfect place to check out! With over 14 years of experience, The Bike Affair has established itself as a trusted source offering honest advice and exceptional service. They are offering a special treat for the listeners of this podcast. You can enjoy a 10% discount on your first order by using the code 'BIKEYVENKY' on their website.  Visit their bike store in Hyderabad or shop online by using the link www.thebikeaffair.com   In this episode I talk to Anirudh Ravichandran. Anirudh is a triathlete and a triathlon coach at Arise Performance. He is a post graduate in performance coaching with a background of strength and conditioning. In this episode we talk about various training methods and metrics that he learnt during his performance coaching studies and how he was able to bring them into practice during his training and races. It as an interesting and insightful conversation. I hope you enjoy it as much as I did.  0:00:00  Intro0:03:45  Major milestones in the last 18 months or so for Anirudh and Arise0:07:40  What to consider for a team relay triathlon event0:09:40  Recovering from a running injury, importance of strength work0:12:15  Coaching priorities over personal performance0:14:20  Race day nutrition, heat preparation, avoiding cramping, 0:18:30  Calculating sodium losses, Hydration sensor0:22:30  Training with core-temperature sensor0:24:10  Behrain Ironman 70.3 experience; hanging in there in tough conditions to end up having a personal best0:33:20  Masters in Performance coaching, Using V-La Max(Maximal Lactate Accumulation rate) for training 0:44:00  Polarized training vs threshold/Sweet Spot training; race specificity 0:50:10  Velocity based training for strength for cyclists 0:56:00  Arise and Lakshyan facility for training; importance of more coaches and facilities1:03:20  Talking of future of triathlon1:04:40  Durban 70.3 experience1:09:20  Closing  About the PodcastThe working athlete podcast is a podcast with and for working athletes from all walks of life and various sports. The goal is to provide inspiration, training tips, mental hacks, time management and life-style advice through conversations with some of the best in sport, from athletes to coaches. If you think you can benefit from this, please consider subscribing so that you don't miss the weekly episodes in future. Who is a working athlete? Someone working fulltime/part-time, entrepreneur or anyone who has to work to make ends meet and doesn't let being busy to stop him/her from pursuing an active lifestyle is a working athlete. I consider stay at home moms/dads who pursue a sport, as working athletes because homemaking is a full-time job.If you like this, share with friends who could be interested.For the visually inclined, a video version of the podcast can be found here: YouTubeOther Places you'll find the podcast on:Anchor | RSS | Apple Podcasts | Spotify | Pocket Casts | Radio Public | Breaker  A bit about myself:I'm Venkat/Venkateswara Rao in my work avatar, working as a Chief Data Analyst in the IT industry in Bangalore. I'm Venky/Bikeyvenky for my friends in the cycling community.

Disasters are a constant part of life on islands - but outsiders often just see the stats: storm categories, earthquake scales, eruption sizes. Behind those numbers are real people forced to live through harrowing experiences. In this episode, Matt and Emily ask: how do survivors make sense of the shock - and how do their stories help communities rebuild what was lost? In “Island Voices”, Darenthea Sweeney from Montserrat and Gregory Adams from the British Virgin Islands describe the lasting social effects of disasters. As a disaster management expert, Emily breaks it down for us in the 'Explainer'. Then, three academics – Adom Philogene Heron, Farah Nibbs and Gemma Sou – share how they work with communities affected by disasters to tell their own stories and push back against outside narratives. Finally, in “No Stupid Questions” Matt and Emily discuss whether anyone can ever truly prepare for a disaster on the scale faced by many small islands. Featuring: Emily Wilkinson (host) | RESI Director and Principal Research Fellow at ODI Matthew Bishop (host) | RESI Director and Senior Lecturer at the University of Sheffield Darenthea Sweeney | Schoolteacher and Climate Justice Leader, Montserrat Gregory Adams | Chief Planner, Government of the Virgin Islands Adom Philogene Heron | Lecturer in Visual Anthropology, University of Bristol, UK Farah Nibbs | Assistant Professor, Emergency and Disaster Health Systems, University of Maryland, Baltimore County, United States Gemma Sou | Senior Lecturer in Human Geography, Monash University, Australia Resources: Programme page | Resilient and Sustainable Islands Initiative (RESI) Emily's documentary | Climate Blueprint: Dominica Adom's university webpage | Dr Adom Philogene Heron Farah's university webpage | Dr Farah Nibbs Adam and Farah's project | Surviving Storms: Caribbean Cyclone Cartography Gemma's university webpage | Dr Gemma Sou Gemma's personal webpage | www.gemmasou.com RESI research on loss and damage | The price of a changing climate | Calculating loss and damage from extreme weather events | The costs of inaction | Barriers to addressing climate-related loss and damage Hosted on Acast. See acast.com/privacy for more information.

Did Ramit Sethi just destroy the biggest renting vs owning myth on the Diary of a CEO podcast? Caleb compares the costs of renting & owning a home to show which one is actually cheaper in the long run! 00:00 Introduction00:45 Renting Vs Owning04:50 Caleb Thoughts on Owning vs Renting05:25 Monthly Cost to Live?05:45 How Much Money Do You Need?06:16 What is the Alternative Investment Return?08:15 Pros and Cons of Owning and Renting a Property17:07 Calculator.net (Rent vs Buy)Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In this episode, Scott Carson breaks down a tape of 187 note assets, offering expert insights into geographic distribution, loan performance, and due diligence strategies. This is a must-listen for note investors looking to navigate the current market.Key Points Covered:Geographic Analysis:Tape covers 33 states, with a significant concentration in Texas and Florida.Strategic state selection based on foreclosure timelines.Loan Performance Breakdown:Performing, sub-performing, and non-performing notes.BK Chapter 13, Chapter 7, and modifications.Financial Metrics:Interest rates, BPO dates, and unpaid principal balance (UPB).Review of last 12 months payment history and payment amounts.Identification of non-performing assets.Discussion of BPO values and average equity.Analytical Techniques:How to determine the equity amount in a property.Calculating offering price based on equity and payment data.How to determine potential ROI based on payment data.Key Due Diligence Steps:Checking local legal balances.Analyzing legal status of foreclosures and bankruptcies.Understanding key parameters used to evaluate each loan.Conclusion:Scott Carson provides a comprehensive guide to analyzing a note tape, arming investors with the knowledge to identify profitable opportunities and make informed bidding decisions. From geographic considerations to in-depth financial analysis, this episode is a valuable resource for anyone looking to succeed in the note investing space.Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet Signed Up For the WCN Membership HERE!

This week on the Retirement Quick Tips Podcast, I'm sharing with you several resources that I use with my own clients when marking important decisions and planning for their retirement.  Today's free resource is my net worth worksheet. Unless you obsessively check your bank and investment accounts 5 times a day, it may not be intuitive why you need to know and track your net worth over time.  But knowing your net worth matters. Tracking your net worth over time is critical to reaching your financial goals, understanding your liquidity, and making smarter decisions with your money… For your free personal net worth worksheet, go to: www.truenorthra.com/networth A special bonus - if you complete your net worth worksheet and send it back to me, I'll send you a personalized analysis, complete with fancy pie charts to help you see what's working, as well as potential imbalances and red flags, along with my comments.  This is only for the first 10 people who send back their net worth statement, so be sure to download it at truenorthra.com/networth, then complete it and email it back to me at ashleym@truenorthra.com

Are you feeling financial stress in your Myofascial Release practice?  In this episode, Heather dives into the common anxieties therapists face regarding their numbers and finances. She outlines actionable steps to take control of your finances, including: Calculating the exact number of clients or packages you need to reach your financial goals. Tracking your personal and business expenses to gain clarity on your spending habits. Setting clear financial targets to help you feel more secure and in control. Implementing a simple tax calculation to prepare for tax season without stress. It's time to embrace your role as the CEO of your practice and take charge of your financial future. Tune in to discover how understanding your financial landscape can transform your experience in business and alleviate the overwhelm that often accompanies uncertainty.    NEW WEBINAR ALERT — Join Heather on August 5th at 2 PM Central for a live training session, "Sell MFR to Anyone in Any Situation." Learn how to effectively communicate your services and gain clients. Plus, unlock a bonus coaching call! Register now. And check out Heather's new book, "Your MFR Practice Starts Here: Get Fully Booked, Raise Rates, and Build the Business You Actually Want", available on Amazon. This book is a must-read for those who want to stop guessing and start building a profitable MFR practice that truly works for their lifestyle.    LINKS AND RESOURCES —

Randy Kobat of Repair OnDemand shares how quality data makes reconditioning cheaper AND more efficient!  Among other things, we discuss: ✅ The advantages of precise estimation✅ Turning customers into raving fans✅ Calculating the cost of hail!Randy is a thoughtful and deeply knowledgeable professional who graciously shares his experience and insight. Don't miss this! 

Should you take the lump sum or stick with monthly support payments? In this episode, Catherine and Karen unpack one of the most misunderstood yet consequential decisions in divorce: alimony buyouts. Together, they demystify how these lump sum payments are calculated, who truly benefits, and what hidden pitfalls can jeopardize your financial future. From passive income projections to payout timing and mortgage qualification hurdles—this deep dive explores the real-world scenarios and tough questions you must ask before signing your agreement. Lump Sum Alimony: Pros & cons for both payer and recipient Tax implications & investment risks Liquidity vs. long-term cash flow Calculating present value & discount rates Passive income assumptions—and why timing matters What if the payer can't pay all at once? Tranches, step-down payments, and protective clauses Impact on mortgage eligibility The role of life insurance and estate protection Why enforceability & agreement language matter The crucial importance of stress-testing financial plans Listener Challenge: Are you considering a lump sum offer? Screenshot this episode and send it to a friend or family member who might be weighing the same decision. Share the clarity.

Fellow ALS widow Willy Grant, who lost her husband, Glenn, to the disease in November of 2024, joins Kelsie to talk about the ALS information gap, misdiagnosis, learning to accept help, the personal benefits of public vulnerability and adjusting to life on the other side of loss. Donate to the ALS Society of Alberta here.Support the show

James Lawrence, better known as The Iron Cowboy, is a world-renowned keynote speaker, bestselling author, and endurance athlete who redefined human potential by completing 50 Ironmans in 50 days across all 50 states — and then doing the unthinkable — 100 full-distance triathlons in 100 consecutive days. Before becoming the greatest endurance athlete in history, James was a successful entrepreneur, running a thriving mortgage company and helping hundreds of clients build wealth through homeownership and strategic refinancing. That same relentless mindset that powered him through thousands of miles now fuels his ventures in multi-family real estate and ownership of Crumbl Cookie franchises. He's been named one of Sports Illustrated's “Fittest 50,” featured in two acclaimed documentaries, and honored alongside icons like LeBron James and Conor McGregor. But James's story isn't just about athletic records — it's about purpose, resilience, and refusing to settle for average. In this episode of In the Know, Chris Hampshire and James examine the importance of risk-taking in any successful career, techniques for transferring fear to excitement, and the possibilities that are available to those who are brave enough to tackle the unknown.   James will be the closing keynote and conferment speaker at this year's In2Risk event, taking place November 3‒5 in New Orleans. For more information and to register, visit In2Risk.org. Register by Sept. 5 to take advantage of early bird rates.   Key Takeaways James's pivot from the mortgage industry to extreme sports. The importance of risk-taking in any successful career. Calculating which risks bring the greatest rewards. The suffering is worth it when you show up prepared. The future is filled with possibilities for those who are willing to take risks. AI leverage has the potential to bring greater joy to the workforce. Techniques for transferring fear to excitement. Breaking monumental accomplishments down into manageable tasks. Personal development and risk-taking. Staying healthy while achieving incredible goals. What to expect from James's keynote presentation at In2Risk. A five-year look at the rapidly changing future. James's encouraging advice to his early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “Sometimes hitting rock bottom can be the greatest gift.” “What is the risk that I have to take? And what is the benefit to myself, my family, my community?” “The suffering is always worth it if you show up prepared.” “For people who understand and leverage AI, it's going to bring a lot of joy and happiness in their lives.” “Am I going to allow fear to dictate my decisions, or am I going to continue to chase my dreams?” “Taking risks and personal development go hand in hand.”  

In this episode, Michela is breaking down the top 5 financial decisions that helped her cross the $1M net worth threshold before turning 30. From living at home post-grad and building a business, to tracking every dollar and calculating my FIRE number—these choices weren't flashy, but they were incredibly effective. Whether you're in your early 20s or heading into your 30s, these are the practical, foundational moves that can create serious financial momentum over time.I'll also share the mindset shifts that made the biggest difference and how to apply these lessons to your own journey—even if you feel “behind.TIME STAMPS: 00:00 – Intro: approaching 30, thirties reflections01:30 – Housekeeping: templates, upcoming FIRE & real estate tools04:30 – Why financial progress takes years, not months06:00 – Decision #1: Living at home + keeping rent low10:00 – Decision #2: Starting a business (Break Your Budget)14:30 – Decision #3: Choosing a practical college major (Finance)18:30 – Decision #4: Tracking my expenses consistently22:00 – Decision #5: Calculating my FIRE & work optional numbers26:30 – Closing thoughts: Your 20s don't have to be perfect, they just need to be intentional

Extreme Heat: More Dangerous Than We Think?Extreme heat, one of the adverse consequences of climate change, exacerbates drought, damages agriculture, and profoundly impacts human health. Heat is the top weather-related killer in the United States, contributing to deaths that arise from heart attacks, strokes, and other cardiovascular diseases. As temperatures are projected to increase, so will the risk of heat-related deaths. Urban heat islands, cities with large numbers of buildings, roads, and other infrastructure, are ‘islands' of hot temperatures due to the reduced natural landscape, heat-generating human-made activities, and large-scale urban configuration. More than 40 million people live in urban heat islands in the United States, with this number only increasing as people continue to move from rural to urban areas. Around 56% of the world's total population lives in cities. Those living in large cities are more vulnerable to the effects of extreme heat, with research showing an increased mortality risk of 45% compared to rural areas. The risk of heat-related exhaustion and death is a major public health concern that is exacerbated by the climate crisis. The National Weather Service is in the process of creating a new interface known as HeatRisk, which uses a five-point scale to monitor the heat-related risk for vulnerable populations based on local weather data and health indicators. By mapping heat risk, climate scientists hope that individuals will now have a better understanding of the safety concerns associated with being outside during times of extreme heat. Understanding Heat Index DynamicsBefore stepping outside, most individuals check the daily weather prediction to get a sense of the average temperature. In order to measure the perceived temperature, climate scientists use a heat index, a calculation that combines air temperature and relative humidity to create a human-perceived equivalent temperature. Accurate prediction of the heat index is imperative as every passing year marks the warmest on record, with dangerous extreme heat predicted to become commonplace across arid regions of the world. Therefore, tracking such calculations is necessary in assessing future climate risk. Areas especially vulnerable to extreme heat heavily rely on an accurate prediction of temperature to determine if it is safe to go outside.However, there are over 300 heat indexes used worldwide to calculate the threat from heat, defeating the potential universality of this metric. Each heat index weighs factors differently, making it difficult to differentiate between various metrics. Dozens of factors are used to estimate the daily temperature based on predictions of vapor pressure, height, clothing, or sunshine levels. In addition, most heat indexes report the temperature assuming that you are a young, healthy adult and are resting in the shade, not in the sun. If outdoors, the heat index could be 15 degrees higher. If you are older, you may not be as resilient during intense temperatures.As a result, many climate scientists are calling for heat indexes that reveal the apparent risk of being outdoors on any given day. The elderly, children and infants, and those suffering from chronic diseases are more vulnerable to high temperatures than healthy, young adults, which needs to be accounted for when surveying temperature risk. Advanced Heat Assessment Tools: HeatRisk and WBGTThe National Weather Service's HeatRisk index is different from previous models as it identifies unusual heat times and places, also taking into account unusually warm nights. As such, it provides a more universal measure accounting for the degree to which people in the area are acclimated to various heat temperatures. The HeatRisk index can thus be used to gauge levels of danger associated with temperature, potentially altering an individual's behavioral patterns. For those working in outdoor fields, the WetBulb Globe Temperature (WBGT) measure can be particularly useful as a way to measure heat stress as it takes into account temperature, humidity, wind speed, sun angle, and cloud coverage. Different from the heat index, the WBGT includes both temperature and humidity and is calculated for areas in the shade. If not exercising or working outdoors, people can revert to the HeatRisk scale to calculate the potential hazards of being outside for longer periods. Heat Indexes are Harder to Calculate Than They AppearBecause scientists have to account for a variety of factors like geography, physics, and physiology, establishing a truly universal heat index is unlikely. For regions like Colorado, creating the criteria for a heat advisory has proven shockingly difficult. Heat indexes typically rely on temperature and humidity, however, the Colorado landscape is so dry that an advisory is very rarely triggered, even during heat waves. In such scenarios, the HeatRisk index provides a better gauge for outdoor safety. Most people underestimate the dangers of extreme heat and often ignore warning messages from local authorities. Educational programs are vital in informing the public on the dangers of extreme heat.Who is David Romps?David Romps, UC Berkeley professor of Earth and Planetary Science, is at the forefront of heat index research. Romps has found that those exposed to extreme heat suffer restricted blood flow and are often unable to physiologically compensate. Through his research, Romps believes that heat index calculations often underestimate the potential heat impacts on individuals, with the human body being more susceptible to heightened temperatures than commonly understood. Further ReadingCenter for Climate and Energy Solutions, Heat Waves and Climate ChangeHuang, et.al, Economic valuation of temperature-related mortality attributed to urban heat islands in European cities, Nature Communications, 2023National Weather Service, What is the heat index?National Weather Service, NWS Heat Risk PrototypeNational Weather Service, WetBulb Globe TemperatureSharma, More than 40 million people in the U.S. live in urban heat islands, climate group finds, NBC News, 20232023 was the world's warmest year on record, by far, NOAA, 2024Coren, The world needs a new way to talk about heat,  The Washington Post, 2023Hawryluk and KFF Health News, A New Way to Measure Heat Risks for People, Scientific American, 2022UC Berkeley Heat Index Research, David RompsUS EPA, Climate Change Indicators: Heat-Related DeathsUS EPA, What are Heat Islands? For at transcript of this episode, please visit  https://climatebreak.org/calculating-threats-from-rising-temperatures-using-heat-indexing-with-professor-david-romps/

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Both Russia and China are well-positioned to lead global efforts through multilateral institutions such as the UN and the International Atomic Energy Agency.

At any given time, 95% of potential B2B buyers aren't in-market for your product. Only 5% are actively shopping. Most people your ads reach won't buy anytime soon.This week, Elena, Angela, and Rob explore the 95/5 rule introduced by professor John Dawes in 2021. They discuss how this principle contradicts the familiar 80/20 rule, why the fundamental principle applies beyond B2B categories, and how brands can shift from "hunter" to "farmer" mindsets. The team also covers creative strategies for reaching the 95% who aren't ready to buy yet and why mental availability matters more than immediate conversion. Topics covered: [01:00] Origins of the 95/5 rule and how it contradicts 80/20 thinking[04:00] Why the rule makes sense for B2B but challenges B2C assumptions[07:00] How modern marketing overemphasizes tracking immediate conversions[09:00] Calculating the 95/5 rule for your specific category[12:00] Creative strategies that build memory structures for future buyers[14:00] Shifting from hunter to farmer mentality in advertising strategy[17:00] Brand versus performance marketing balance under this rule  To learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter.  Resources: John Dawes: The 95:5 Rule: https://johndawes.info/the-955-rule/ Tyrona Heath: Why You Should Follow The 95-5 Rule: https://tyronaheath.com/2022/08/11/why-you-should-follow-the-95-5-rule/ Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts. 

This is a bitesize episode of 'The insuleoin Podcast - Redefining Diabetes'. Each week we'll take a look back into the archive of episodes and get you to think and reflective once more about some of the things we've learned over the past few years. In this week's BITESIZE:The importance of your over night blood sugar. Prime your needle before you use it. Calculating pre bolus. To hear the full episode check out episode #187: 5 Tips & Ideas That will Increase Your Energy & Time In Range %. Hosted on Acast. See acast.com/privacy for more information.

Some people bought Tamagotchis in the '90s. Others? They paid birds to predict their future. In this week's episode, we take a glimpse into Taiwan's wild obsession with fortune-telling — and what it reveals about culture, comfort, and even politics. From oracle bones to rose stones, the history of Taiwanese divination has been an unpredictable ride.  Go check out our website. And follow us on social media...LIKE, SUB, etc!

The Ultimate Retirement Budgeting Formula Revealed: Secure Your Financial FutureHow much you need to retire quiz: https://adamdolson.com/retire-quiz/In this video, discover a transformative retirement budgeting formula that goes beyond traditional advice. Learn how to categorize your expenses into essential, discretionary, and one-time costs to eliminate financial stress and boost your retirement satisfaction. Get practical tips on estimating expenses, managing taxes, and monitoring your budget to maintain financial security and enjoy your golden years. .00:00 Introduction to Retirement Budgeting00:40 Breaking Down Essential Expenses01:32 Understanding Discretionary Expenses01:59 Planning for One-Time Expenses02:39 Calculating and Adjusting Your Budget04:23 Managing Taxes in Retirement05:06 Monitoring and Adjusting Your Budget06:18 Implementing Your Retirement Spending Plan09:16 Conclusion and Next Steps8043718.1

Are you losing money before the job even hits the floor? If your quotes are based on outdated spreadsheets, rough guesses, or a “that's what we've always charged” mindset, you might be setting your shop up to fail—before the first chip falls. In this episode of the Machine Shop MBA series, we tackle one of the most common (and costly) problems in manufacturing: bad quoting. Mike shares lessons from five shop acquisitions—each one quoting the wrong way. Paul lays out a clear framework for cost modeling, from flat-rate estimating to activity-based precision. And Nick brings it all home with real-world strategies for walking away from unprofitable jobs and quoting with confidence. You'll learn how to: Break down your true cost per hour (and why most shops get it wrong) Quote faster and win better work Tie quoting to sales strategy and customer fit Eliminate jobs that quietly kill your margin Because quoting isn't just a math problem. It's a leadership decision—and the future of your shop depends on getting it right. Segments (0:00) Friday energy, name mispronunciations, and intro banter (1:01) Why ProShop can help you achieve on-time delivery (2:34) Common quoting mistakes usually stem from broken models (6:25) Scarcity mindset vs. abundance mindset in quoting decisions (7:45) The four cost buckets you need to understand (9:22) Estimating 101, 201, and 301: building smarter quoting systems (12:58) How automation changes the math (or does it…?) (16:20) Value-based pricing: how some shops quote with confidence and win (18:00) Customer transparency: when it helps, and when it hurts (19:50) Sales pressure and quoting leverage: why quoting ties back to marketing (21:05) Calculating machine rates: depreciation, utilization, and more (24:30) Overhead, tooling, scrap—when to include it, and how (25:22) Stay tuned for Top Shops 2025 registration!  (27:45) Quoting efficiency: Don't win everything—win smart (30:42) Win rates: Why 100% is a red flag, and 40% might be just right (34:20) Speed-to-quote: The biggest untapped quoting advantage (37:43) Don't forget to charge for review, prep, and inspection (39:32) Kill the losers: How to identify and eliminate unprofitable jobs (44:38) Use quoting as a filter for new customer relationships (46:15) Knowing your limits and stretching your niche (51:17) Recap and preview: How quoting connects to sales, strategy, and growth  (55:30) Grow your top and bottom line with CLA Resources mentioned on this episode ProShop can help you achieve on-time delivery Episode #73: A Recipe for Winning High-Volume Work Stay tuned for Top Shops 2025 registration!  Machine Rate Spreadsheet FedEx French Benefits Commercial Connect With MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube

Jeff Bussgang of Flybridge Capital joins Nick to discuss Calculating the Market Size for AI, Building an "Experimentation Machine," the Bull Case for Non-Technical Founders, and the Key to PMF in the AI Age. In this episode we cover: Exits and Liquidity in Venture Capital The Experimentation Machine and AI Opportunity Evaluating AI Businesses and Founders Challenges and Opportunities in AI Investing Entrepreneurship Education and Startup Ecosystems Product-Market Fit and Customer Discovery Future of AI and Venture Capital Guest Links: Jeff's LinkedIn Jeff's X Flybridge's LinkedIn Flybridge's Website The host of The Full Ratchet is Nick Moran of New Stack Ventures, a venture capital firm committed to investing in founders outside of the Bay Area. Want to keep up to date with The Full Ratchet? Follow us on social. You can learn more about New Stack Ventures by visiting our LinkedIn and Twitter.

Machiavelli guides your relationships, sex work funds your freedom, but loneliness looms. Can calculating hearts learn to love? Welcome to Feedback Friday!And in case you didn't already know it, Jordan Harbinger (@JordanHarbinger) and Gabriel Mizrahi (@GabeMizrahi) banter and take your comments and questions for Feedback Friday right here every week! If you want us to answer your question, register your feedback, or tell your story on one of our upcoming weekly Feedback Friday episodes, drop us a line at friday@jordanharbinger.com. Now let's dive in!Jordan's must reads (including books from this episode): AcceleratEdFull show notes and resources can be found here: jordanharbinger.com/1162On This Week's Feedback Friday:Shiatsu on my shoulder makes me happy.What makes the difference between a storyteller and a snoreyteller?You're a trans woman with Machiavellian traits who craves intimacy but views relationships as cost-benefit transactions. After escaping an unhappy marriage, you're working at a brothel while running a business in rural Asia. Can someone who treats people like "toys" ever find genuine connection?Remember that emotional affair with your coworker Bob while you had a boyfriend in episode 1037? Well, life just served up a delicious plot twist: you landed your dream job only to discover you're now working directly with Bob's girlfriend. She wants to be best friends. What could possibly go wrong?You're a federal power plant operator facing potential job cuts under the new administration. They're offering a resignation package with continued pay through September, but there's a job opportunity in NYC. Do you hedge your bets or roll the dice on government stability? [Thanks to federal employment lawyer Justin Schnitzer for helping us with this one!]Recommendation of the Week: WayfindersGabe attended a two-day dance workshop involving forced vulnerability exercises, portal-walking declarations, and receiving roses for sharing your "truth." He proclaimed "I am available" and felt like he failed at emotional openness. Did the workshop miss the mark, or was he too defended to benefit?Have any questions, comments, or stories you'd like to share with us? Drop us a line at friday@jordanharbinger.com!Connect with Jordan on Twitter at @JordanHarbinger and Instagram at @jordanharbinger.Connect with Gabriel on Twitter at @GabeMizrahi and Instagram @gabrielmizrahi.And if you're still game to support us, please leave a review here — even one sentence helps! Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors:DeleteMe: 20% off: joindeleteme.com/jordan, code JORDANOura Ring: 10% off: ouraring.com/jordanShopify: 3 months @ $1/month (select plans): shopify.com/jordanNordVPN: Exclusive deal: nordvpn.com/jordanharbingerLand Rover Defender: landroverusa.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome to PTs Snacks podcast! I'm Kasey, your host, and today we're diving into chronic workload ratios—an essential tool to manage injury risk in athletes. We'll break down the formula, discuss ideal ratio zones, and use examples like running, strength training, and RPE to showcase its application. This episode is perfect for physical therapists and students looking to apply this concept in various settings, from clinics to personal workouts. Tune in to learn how to quantify safe progressions and keep your athletes at their best!00:00 Introduction to PTs Snacks Podcast00:35 Understanding Chronic Workload Ratio02:56 Calculating the Chronic Workload Ratio04:09 Ideal Zones and Examples07:56 Practical Applications for PTs09:13 Additional Resources and ConclusionSupport the showWhy PT Snacks Podcast?This podcast is your go-to for bite-sized, practical info designed for busy, overwhelmed Physical Therapists and students who want to build confidence in their foundational knowledge without sacrificing life's other priorities. Stay Connected! Never miss an episode—hit follow now! Got questions? Email me at ptsnackspodcast@gmail.com or leave feedback HERE. Join the email list HERE On Instagram? Find unique content at @dr.kasey.hankins! Need CEUs Fast?Time and resources short? Medbridge has you covered: Get over $100 off a subscription with code PTSNACKSPODCAST: Medbridge Students: Save $75 off a student subscription with code PTSNACKSPODCASTSTUDENT—a full year of unlimited access for less!(These are affiliate links, but I only recommend Medbridge because it's genuinely valuable.) Optimize Your Patient Care with Tindeq Looking for a reliable dynamometer to enhance your clinical measurements? Tindeq ...

Professional Builders Secrets brings you an exclusive episode with Russ Stephens, Co-founder of APB, recorded live at the International Builders Show in Las Vegas. In this powerful conversation, Russ breaks down how builders can scale their building company without sacrificing their evenings and weekends. It all comes down to time management, prioritisation, and effective delegation.This episode is sponsored by Apparatus Contractor Services, click the link below to learn more:hubs.ly/Q02mNSsG0INSIDE EPISODE 188 YOU WILL DISCOVERWhy most builders are stuck in the day-to-day grindThe key mindset shift required to break through the "glass ceiling"How to implement the D.A.D. method: Delete, Automate, DelegateWhy delegation by abdication is one of the biggest risks for growing companiesThe importance of exception reporting and onboarding systemsHow to calculate the real value of your timeABOUT RUSS STEPHENSCo-founder of the Association of Professional Builders, Russ is a data analysis expert who has introduced data-driven decision making to the residential construction industry. Russ is also a proud member of the Forbes Business Development Council.Connect with Russ:linkedin.com/in/russstephensTIMELINE2:15 Why builders never really leave the startup phase6:40 The mindset shift: Why 80% is good enough9:10 The D.A.D. method – Delete, Automate, Delegate14:25 Why working on-site limits your ability to scale18:35 How to delegate without abdicating responsibility22:00 Calculating the real value of your timeLINKS, RESOURCES & MOREAPB Website:associationofprofessionalbuilders.comAPB Rewards:associationofprofessionalbuilders.com/rewards/APB on Instagram:instagram.com/apbbuilders/APB on Facebook:facebook.com/associationofprofessionalbuildersAPB on YouTube:youtube.com/c/associationofprofessionalbuilders

Soon after the start of the war in Ukraine, Russia stopped publishing official data on its military losses. Despite that, analysts from independent media still manage to extract data from multiple sources, such as regional obituaries, payments, satellite images, and other open-source intelligence resources. How did Mediazona, a civil rights media outlet, become a leading source of data on Russia's losses? How reliable is the data, and what does it tell us? Will the growing military casualties ever lead to a public backlash in Russia?You can read Mediazona's analysis here: https://en.zona.media/article/2025/04/25/casualties_eng-trlIf you would like to support Mediazona's work, you can make a donation here: https://donate.zona.media/en?utm_source=header-web&utm_medium=web&utm_campaign=regular

In this I'm breaking down the surprising truth about co-ops versus condos in New York City real estate. While co-ops are known as the more affordable option with lower purchase prices, I'll show you the shocking math that reveals they actually require MORE income and cash on hand than their pricier condo counterparts. Through a detailed side-by-side comparison of a $1M co-op and $1.25M condo, I'll expose how co-op down payment requirements, debt-to-income ratios, and post-closing liquidity demands dramatically change the affordability equation.About the Host:Christina Kremidas is a lifelong New Yorker who brings her extensive background in advertising to her successful real estate career in Manhattan. Her personal experience as a property investor and landlord in New York City gives her unique insight into her client's needs, while her negotiation expertise and market knowledge have quickly established her as a top-performing agent, ranking among the top 1.5% of licensed Agents in the United States for Sales Volume and among the Top 10 highest producing Small Teams at Douglas Elliman Real Estate. Beyond her professional achievements, Christina is deeply involved in the NYC community.  She is a founding Steward at St. Nicholas Greek Orthodox Church and National Shrine at the World Trade Center, where she serves on the Parish Council and leads social media, marketing, and young adult initiatives.Get in touch with Christina:Instagram: https://www.instagram.com/christina.kremidasTikTok: https://www.tiktok.com/@christina.kremidasCheck out my website: https://christinakremidas.com/Email me: Christina.Kremidas@elliman.comWhat Is Your Property Worth?: https://christinakremidas.com/home-valuationThe Virtual Agent Experience: https://christinakremidas.com/virtual-agentTimestamps0:00 "The co-op math ain't mathing"1:19 Setting up the comparison: $1M co-op vs. $1.25M condo3:47 Breaking down financing options and down payment requirements6:19 Analyzing debt-to-income ratio requirements9:29 Calculating income requirements 11:52 Post-closing liquidity requirements 14:14 Comparing closing costs 16:22 Co-op requires $200K more cash and $30K higher income

In this conversation, Benjamin Suggs discusses the importance of understanding the annual production value of a new patient in a dental practice. He explains how to calculate this value and its significance in determining the return on investment (ROI) for dental marketing efforts. Suggs emphasizes the need for accurate data analysis and provides a step-by-step guide on how to derive meaningful insights from collections and patient acquisition costs. The discussion highlights the importance of making informed marketing decisions based on calculated ROI.Chapters00:00 Understanding the Value of a New Patient02:46 Calculating Patient Value and ROI06:04 Making Informed Marketing DecisionsTakeawaysMost dentists can't answer the annual production value of a new patient.Calculating the value of a new patient requires data analysis.The production value should be assessed over a 12-month period.Collections, not production, determine the actual revenue.Understanding patient value helps in evaluating marketing ROI.Use dental software to track patient numbers and collections.A ballpark figure for new patient value is useful for decision-making.Calculate ROI by comparing marketing costs to patient value.Data-driven decisions enhance marketing strategies.Investing in training can improve patient acquisition rates.Dentist SpotlightInspirational Smiiles Orthodonticshttps://orthodontistcumming.comLocations:Downtown Cumming: https://g.co/kgs/gfPHsXiSouth Forsyth: https://g.co/kgs/1Q61QYpSmarter Dental Marketing. Powered by AI.Perfected by Human Experts. We combine cutting-edge AI technology with over 12 years of dental marketing expertise to drive real results. From increasing new patient flow to filling holes in your schedule, our strategies are built to grow your practice—efficiently, intelligently, and predictably. Experience marketing that adapts in real-time and delivers every time. No long-term contracts. Our clients average a 5X return on investment. Personalized, non-corporate approach. 5-star reviewed. Incredibly easy to work with - your time commitment is minimal. Find us: Website: https://newpatientsflow.com Google: https://g.co/kgs/zqWTc5a Facebook: https://www.facebook.com/newpatientsflow Instagram: https://www.instagram.com/newpatientsflow/ Linkedin: https://www.linkedin.com/company/newpatientsflow

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05-20-25 - Entertainment Drill - TUE - Calculating That Belichick's Fiance Was A Baby When He Won First Super Bowl - Lethal Weapon 5 Is Happening w/Gibson And GloverSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Before you hire, launch, or invest, there's one number you need to know: your future break-even point. It's more than a “boring” accounting term; it's one of the most powerful tools you have in your toolkit as a business owner and CEO.  In this episode, Danielle Hayden, reformed corporate CFO and CEO of Kickstart Accounting, Inc., flips the script on how entrepreneurs look at their break-even point by turning it from a financial checkmark into a forward-thinking strategy tool. She walks through how to use it as a launchpad for smarter decisions and puts you in control of your numbers.  Key Takeaways:  Break-Even as a Planning Tool: Knowing your break-even point helps you look forward, not backward, and make strategic choices with confidence.  Know Your Break-Even Before Big Decisions: Calculate how your expenses will change first and then what new revenue you'll need to cover them. Turn Your New Break-Even into Your Revenue Goal: Add a 10–15% profit margin to your break-even number to set a clear, sustainable monthly revenue target. Create a Margin of Safety: If you're not ready to make a leap, build savings in advance so you're financially prepared to take on new expenses with confidence. Numbers Beat Guesswork Every Time: Ditch the gut-based decisions and use this method to plan investments without fear or uncertainty. Topics Discussed: What is Break-Even Point in Business & How to Use It (00:50 – 01:57) How to Calculate Your New Break-Even Number (01:58 – 04:41) Real World Example of Calculating a New Break-Even (04:41 - 06:08) Saving for an Investment & Margin of Safety (06:08 - 07:11) Using Break-Even to Plan Your Next Business Move (07:11 - 08:35)   Related Episode: Ep. 222 | From Burnout to Balance: Redefining Entrepreneurial Success Through Break-Even Analysis with Delanie Fischer of Self-Helpless Podcast   Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc

Sean Dranfield notes that the latest moves in the 10-year yield are "much ado about nothing," noting a method to the madness when it comes to measuring bond moves. He talks about how yields have swung around market volatility and ways investors can brace for future moves. He also talks about which bonds he favors in the current market environment.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Government waste, fraud, and abuse make headlines, and tightening the belt sounds like common sense. But what's the real cost in Black and Brown communities and vulnerable populations? We go beyond the bullet points to uncover the hidden impacts and, most importantly, explore how we can protect and prepare. This episode features a special guest – Lawrence Hibbert of BCT Partners, one of the largest Black-Owned management consulting firms in the country.

Lyndsay and Shannon discuss their transition from traditional 9 to 5 jobs to full-time farming. They share personal experiences of burnout and dissatisfaction in their previous careers, which motivated them to pursue farming. The episode emphasizes the importance of solid financial planning, understanding cash flow, and tracking expenses. They outline the phases of transition, including recognizing the need for change and setting realistic expectations about farming's challenges. The speakers also highlight the significance of community support and maintaining a resilient mindset throughout the journey.If you're ready to stop hoping for good roses and start growing them, visit heirloomroses.com and use code DIRTONFLOWERS for 20% off all roses now through 12/31/25.If you want to dive in deeper with us each month, join our membership group - The Dirt on Flowers Insiders! So if you love the podcast and want to dig deeper with us, head over to www.thedirtonflowers.com/membership to join now. Did you love today's episode? Take a screenshot and share it in your IG stories. Don't forget to tag @dirtonflowers!Leave us a rating and review on Apple Podcasts!Head to www.thedirtonflowers.com to sign up for our newsletter and become a Dirt on Flowers insider!Want to learn more about your hosts? Follow us on Instagram!Lyndsay @wildroot_flowercoShannon @bloomhillfarm

Coach Chris Newport shares her methodology for developing an evidence-based fueling and hydration plan for her upcoming off-road Olympic triathlon. She demonstrates how tracking personal sweat data, testing products, and adjusting for logistics leads to a race nutrition strategy that works specifically for her body's unique needs (and will help translate to yours!)She discusses:• Using the four T's approach: Track it, Try it, Tweak it, Trust it• The importance of tracking sweat rate based on dew point, workout type, and intensity• Calculating exact sodium, fluid, and carbohydrate needs using personal sweat testing data• Choosing products that match your specific requirements (plus her specific products she uses)• Managing pre-race logistics when traveling, including food planning and sleep considerations• Preparing familiar foods that work well with your system before races• Creating workable solutions for carrying nutrition during events with restrictions• Planning recovery nutrition immediately after racingJoin our Fueling and Hydration Bootcamp at theenduranceedge.com/fuelingbootcamp to develop your own personalized plan and stop letting nutrition be the reason you fall short. Support the showDownload our free resources: 6 Steps to Triathlon Success: Free Guide Hydration Guide for Athletes Runner's Fueling & Hydration Cheat Sheet Guide to High Performance Healthy Eating Find us here: TheEnduranceEdge.comRace with us: Humans of Steel Olympic & Sprint Triathlon at Harris Lake, NCPurchase Safe Supplements here.Follow us on Instagram or Facebook

This is a REPOST from Episode 43 in Season 1.HCP - 46 - “10 Signs of Being a Narcissistic Pastor”Though it's easy to point fingers at others, who you may think have this issue, we should probably look in the mirror first.  The original sin is PRIDE. It got Lucifer kicked out of Heaven and Adam and Eve removed from Eden. It can also ruin your life and church.  Though we all appreciate those moments as leaders in the church where someone says “we don't know what we'd do without you”, we should be careful to start “believing our own press”. In this podcast Larry and Drew discuss their own struggles with pride and how dangerous the issue of Narcissism can be in the heart of leaders and even effect your church.This conversation is built around the frame work of an article by Charles Stone found on CharlesStone.Com (link below). Stone gives 10 thoughtful considerations of possible signs in leaders who might be Narcissistic. The 10 Signs of Being a Narcissistic Pastor or Leader:Rage if he experiences shame for shame exposes his true self.An inordinate need for praise in order to feel important.The feeling of entitlement to special treatment.The immense need for continual feedback of how important she is.The feeling of superiority and its reinforcement from others.Strong reaction to rejection and disapproval, sometimes with intense rage.The lack of the capacity to mourn, a defense against depression.Calculating and conniving behavior to “maintain” supplies of continuous adulation.An impaired capacity for commitment.No capacity for self-focus or self-examination.“Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves.”Phil. 2:3This article can be found at:https://charlesstone.com/the-narcissistic-pastor-10-signs-that-you-may-be-one/Other resources:https://unseminary.com/5-signs-youre-following-a-narcissistic-church-leader/https://careynieuwhof.com/episode212/For more information about the Healthy Church Podcast, find us at:http://www.HealthyChurchPodcast.ComOr find us on FaceBook.

Two great questions on which the boys pontificate in fineform. Yes, ZIP-R is "backwards" (rigid insulation interior tostructural sheathing) but that does not mean that it doesn't work; itdoes, just differently. So why don't we typically rain screen roofcladdings? The short answer is it always costs more, regardless of thetype of roof cladding. But you know the saying: vent until youcan't...NOTE: - An Apology: Pete keeps saying "vinyl siding" when he means"vinyl wallpaper" in terms of what many older homes see as newly addedcovering over failed/failing plaster... Oh, and we can endlesslyapologize for Steve's parting "jokes"...PETE'S RESOURCES:- "Calculating minimum thickness of rigid foam sheathing"NOTE: Martin Holladay has more than one seminal GBA blog on the topicof adding continuous exterior rigid insulation to meet code--and evenbetter--for greater energy efficiency and maintained moisturemanagement.- "Avoiding Wet Roofs:"https://www.jlconline.com/how-to/insulation/avoiding-wet-roofs_o &https://www.jlconline.com/how-to/insulation/avoiding-wet-roofs-part-ii_o

Episode #973 Ever wonder what staying stuck is actually costing you—not just financially, but emotionally and mentally? We're bringing back this episode because it struck a nerve with so many men. It's one of those conversations that hits differently the second time around—especially if you've been feeling that quiet pull to make a change but haven't moved yet. In this episode, we revisit a powerful concept that came out of a conversation with a high-level business consultant who uses a dead-simple method to get results: calculate the real cost of doing nothing. Not hypothetically—actually write it down. And not just for business, but for your marriage, your health, and your sense of purpose. You'll hear real-world examples of what men lose by hesitating—relationships, time with their kids, even businesses. And you'll get a straight-up challenge: write down the five core areas of your life and ask yourself, “What is inaction costing me here?” This isn't about guilt. It's about clarity—and then making moves that matter. If you're in a season where you're waiting for the “right time,” this revisit might be exactly what you need to hear today.